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Housing Glossary

You will find information here on all topics relating to housing in Barcelona

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Accrued interest

The interest applied as a penalisation when the debtor does not comply with repayment obligations. The amount must be established in the contract.

Active supermortgage

This allows the client to choose their loan's benchmark index (MIBOR at three months, six months or a year) so that payment can benefit from lower interest rates sooner.

Adaptable instalment

Characteristic of UCI superloans that allow the borrower to not pay one instalment a year for the first three years if there are problems due to holidays, extraordinary expenses, etc.

Advanced cancellation fee

A commission arising from the financial risk involved in the advanced cancellation of an operation. The applied commission compensates the financial institution for its financial losses.

AEDE

Direct state aid for paying the deposit on a property.

Affordable housing

Group of social housing or dwellings from social renovation projects that are sold or rented at below-market prices.

Affordable rent

The cost of renting these dwellings is below market prices after being included in operations concerning the rented flat pool, social renovation or social housing promotions.

Amortisation

Payment made to repay a loan.

Amortisation period

The duration of the loan. The contract establishes the date of the first and last payments. The longer the period, the lower the payments are, but the higher the interest. You therefore pay more in the end. The monthly instalment should not exceed 35% of your net income.

API

Estate agent. A qualified professional who acts as an intermediary between the two interested parties to facilitate the signing of a real estate contract, which can be a rental agreement, a sales agreement or another similar contract. They usually charge a percentage of the sales price as compensation or commission.

Applicant

A citizen who makes a registration application to the Barcelona Social Housing Applicants Registry, and who represents the other members of the dwelling unit included in the application.

APR

Annual Equivalent Rate. Effective annual cost of the mortgage in terms of interest, commissions and the repayment period. To compare loans, it is not enough to just look at the lowest APR, you also have to compare the conditions, the repayment period and the distribution of instalment payments.

Arbitri municipal de plusvàlua

Former denomination of the capital gains tax on landed property.

Assessment

The value of a dwelling certified by a specialised assessment company, in accordance with the mortgage market law. This certificate not only indicates the real value of the property, it also serves as a reference for obtaining the necessary financing.

Authorisation

Document in which the owner authorises the tenant to carry out building work in the dwelling's interior.

Housing offices only offer face-to-face assistance by prior appointment, so check out the “Housing calls you” service here to receive the most appropriate personalised assistance. If you also need assistance in energy rights, book an appointment with an energy-advice point (PAE) by clicking here. On the other hand, if you reside in an IMHAB public dwelling you can consult our contact, management and processing channels here.

15/01/2021 - 17:44

Keys to 35 houses in the Carrer Comte Borrell development are handed over

Housing. The successful bidders will pay an average monthly rent of €400 and it will never exceed 30% of the family unit’s income.

14/01/2021 - 16:30

Another step in the transformation of Glòries: more public housing and facilities

Urban planning. The mountainward side of the area will get 562 flats, 35% of them protected, along with three schools and green areas...

30/12/2020 - 11:27

What rights do I have as tenant and what obligations does the landlord have?

Housing. The female lawyers of the Housing Office and representatives of the Union of Female Tenants explain the key points of the...

28/12/2020 - 11:52

What can I do if I have problems paying my rent?

Housing. We describe the resources offered by the Housing Offices to maintain your home and prevent an eviction

11/12/2020 - 19:11

"I'm very happy, especially for my mother, because in her new flat she'll be able to move around more"

Housing. Awardees and neighbours visit the new public housing development in Carrer Comte Borrell

08/12/2020 - 09:14

Airbnb ordered to remove a thousand ads for illegal tourist lets

Housing. Holiday rental platforms have been ordered to take down 11,714 adverts since 2017, of which 9,770 were on Airbnb.

25/11/2020 - 15:14

The study commission on the regulation of rents concludes that it is necessary to regulate prices and that the debate is how to do this

Housing. Barcelona en Comú, PSC, ERC and Junts per Catalunya approve the conclusions after four sessions of debates and appearances...

19/11/2020 - 13:41

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